Will cryptographically enhanced commerce lead to a better world or make it more unequal?

Web 3.0 is meant to describe a new set of technology developments for the internet that are moving the pendulum back to a more decentralised environment, away from walled gardens such as Apple, Facebook, and Google. But the jury is still out on whether cryptographically enhanced commerce will be positive or negative for improving equity, diversity, and inclusion in societies and organisations. Thomas Kalafatis and Richard Nesbitt explain how having a better world or a more unequal one depends on how cryptographically enabled techniques are rolled out across software and finance.